WO/2009/018255 is referenced by 23 patents.

A portable electronic device (100), such as a mobile telephone, portable computer, personal digital assistant, or other similar device, is equipped with a virtual card application (101) configured to manage a plurality of virtual cards (106,107,108,109). Such virtual cards (106,107,108,109) are used in financial and other transactions by way of a wireless near-field transceiver (114) and a near-field communication terminal, such as a payment terminal (115). To provide a user with a seamless, less complex virtual card selection process, an arranger module (102) is configured to determine a priority associated with each of the virtual cards (106,107,108,109). The priority may be determined from location, schedule, calendar, user input, or other means. Once the priority is determined, the virtual card with the foremost priority is advanced as a top of the wallet card (111). The top of the wallet card (111), in one embodiment, is the default card for use in the transaction.

Virtual card selector for a portable electronic device
Application Number
Publication Number
Application Date
July 29, 2008
Publication Date
February 5, 2009
Black Greg R
Chitti Sriram
VAAS Randall S
Black Greg R
Chitti Sriram
H04B 01/38
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